Walter A. Zelman is an instructor in health policy and management at the School of Public Health at Harvard University. He has served as a special deputy to the commissioner of the California Department of Insurance and as the California director of Common Cause, the public interest group. Robert A. Berenson, MD, is currently director of the Center for Health Policy Plus and Providers in the Health Care Financing Administration, Department of Health and Human Services. He has practiced medicine for more than twenty years and was the founder and medical director of the National Capital Preferred Provider Organization. Both authors have served as health policy advisors to the White House.